AVANGARD Joint Stock BANK Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2020	FY 2019
Period Ending	Jul '22 Jul 7, 2022	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Market Capitalization	68,999	-	68,999	68,999	83,525	51,648
Market Cap Growth	-	-	-	-17.39%	61.72%	28.00%
Last Close Price	855.00	-	855.00	855.00	980.50	558.64
PE Ratio	12.39	-	13.69	245.43	26.79	7.23
PS Ratio	4.83	-	5.83	29.50	7.49	3.17
PB Ratio	6.09	-	6.51	4.59	3.34	1.82
P/FCF Ratio	-	-	-	-	-	15.92
P/OCF Ratio	-	-	-	-	-	8.85
Debt / Equity Ratio	0.14	0.14	0.35	0.36	0.25	0.16
Debt / FCF Ratio	-	-	-	-	-	1.36
Net Debt / Equity Ratio	-2.49	-2.49	-5.79	-5.60	-3.43	-2.34
Net Debt / FCF Ratio	-	-	-	-	25.94	-20.51
Return on Equity (ROE)	50.74%	50.74%	39.34%	-	11.68%	26.85%
Return on Assets (ROA)	5.76%	5.76%	4.20%	-	2.47%	5.85%
Earnings Yield	8.07%	-	7.31%	0.41%	3.73%	13.83%
FCF Yield	-	-	-	-	-3.96%	6.28%
Dividend Yield	11.59%	-	-	-	-	9.98%
Payout Ratio	-	-	-	-	208.46%	63.00%
Total Shareholder Return	11.59%	-	-	-	-	9.98%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.